HDFC DCP vs HDFC MONEYBACK PLUS

[lazywise]

I am getting a lifetime free offer on DCP but i dont think it suits my usage. I dont travel a lot or order food online. I mostly use flipkart/amazon for shopping. Should i go with moneyback plus cc instead?

 

[6ix9ine]

Mail grievance, and ask for millennia CC instead. It will suite you more.

 

[GTSaketh]

Mail grievance, and ask for millennia CC instead. It will suite you more.

I have DCP LTF offer too.

Will they process Millennia as LTF and will they process it without VKYC and document verification this way?

 

[helloworld]

I have DCP LTF offer too.

Will they process Millennia as LTF and will they process it without VKYC and document verification this way?

if u have pre-approved send mail about millennia ltf in place of dcp.. if agreed then u won't get any vkyc.

doc verification depends on ur account period. its never 100% sure for any bank

 

[6ix9ine]

I have DCP LTF offer too.

Will they process Millennia as LTF and will they process it without VKYC and document verification this way?

Nobody can answer this with 100% certainty, whether it's LTF or FYF, it's completely at the bank’s discretion.

As for VKYC/document verification, again, HDFC can ask whatever they want. They have even asked for income documents for pre-approved offers too.

 

[GTSaketh]

if u have pre-approved send mail about millennia ltf in place of dcp.. if agreed then u won't get any vkyc.

Ok will try this.

As for VKYC/document verification, again, HDFC can ask whatever they want. They have even asked for income documents for pre-approved offers too.

Wait, really? How did so many students getting HDFC cards then from pre approved, just got lucky?

I literally opened HDFC Bank account and maintaining money for pre approved offers only. Is there any tips to avoid income verification. Or it's entirely luck?

 

[6ix9ine]

Ok will try this.

Wait, really? How did so many students getting HDFC cards then from pre approved, just got lucky?

I literally opened HDFC Bank account and maintaining money for pre approved offers only. Is there any tips to avoid income verification. Or it's entirely luck?

If you are pre-approved, 90% chances are they won't ask for anything except bank verification. In 10% of cases, they will.

Tip: Wait till March 2026, then apply for the card. Banks don’t have enough time to do VKYC or any verification at that time.

Lately, many banks have started doing bank verification instead of VKYC because it's faster.

They simply check the information given in the application, and cards get approved. Simple as that.

 

[GTSaketh]

Tip: Wait till March 2026, then apply for the card. Banks don’t have enough time to do VKYC or any verification at that time.

I don't mind waiting a year.

I am just worried I might lose lose LTF offer on Swiggy app, It is the actual card I need. But I need to get core card before.

 

[lazywise]

There are posts saying that hdfc always rejects moneyback plus credit card upgrade requests, is it true?? And if I get DCP or Millenia, can I upgrade it to DCB or Regalia Gold in future??

 

[6ix9ine]

There are posts saying that hdfc always rejects moneyback plus credit card upgrade requests, is it true?? And if I get DCP or Millenia, can I upgrade it to DCB or Regalia Gold in future??

Of course, yes

 

[helloworld]

There are posts saying that hdfc always rejects moneyback plus credit card upgrade requests, is it true?? And if I get DCP or Millenia, can I upgrade it to DCB or Regalia Gold in future??

yes for each question